USAA Federal Savings Bank FDIC-Insured - Backed by the full faith and credit of the U.S. Government

A savings account for more financial freedom

Resources to reach your savings goals faster

Savings tools

Have a USAA Classic Checking account? Put it on autopilot with regular transfers to savings using our free tools.

No monthly service fees

Save even more when you never need to worry about monthly service fees.

Budgeting tools

Track activity across all your accounts with our free money management tools.

Empower your kids with a youth savings account.

Help them build a positive relationship with money that can benefit them for life.

Learn about youth savings

Banking with us can be simple and secure.

Convenient ways to move money

Use Deposit@Mobile‍ ‍ ^{See note 1} to move money with ease. There are no fees to send and receive money with Zelle® from the USAA Mobile App.

Deposits straight to savings

Send some of your paycheck directly to savings with direct deposit. You can also make deposits at select USAA Federal Savings Bank ATMs.‍ ‍ ^{See note 2}

Fraud monitoring

You'll get automatic alerts 24/7 for any suspicious activity on your account.‍ ‍ ^{See note 3}

Rates for USAA Savings

Minimum deposit to open is $25.

Rates for USAA Savings

Daily ledger balance	Less than $1,000
Annual Percentage Yield (APY)	§%
Daily ledger balance	$1,000 to $4,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$5,000 to $9,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$10,000 and over
Annual Percentage Yield (APY)	§%

Rates for USAA Savings

Minimum deposit to open is $25.

Rates for USAA Savings

Daily ledger balance	Annual Percentage Yield (APY)
Less than $1,000	§%
$1,000 to $4,999.99	§%
$5,000 to $9,999.99	§%
$10,000 and over	§%

Minimum deposit to open is $25.

Rates for USAA Savings

Daily ledger balance	Less than $1,000
Annual Percentage Yield (APY)	§%
Daily ledger balance	$1,000 to $4,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$5,000 to $9,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$10,000 and over
Annual Percentage Yield (APY)	§%

Rates for USAA Performance First® Savings

Minimum deposit to open is $1,000.

Rates for USAA Performance First Savings

Daily ledger balance	Less than $10,000
Annual Percentage Yield (APY)	§%
Daily ledger balance	$10,000 to $24,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$25,000 to $49,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$50,000 to $99,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$100,000 to $249,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$250,000 to $499,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$500,000 to $999,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$1,000,000 and over
Annual Percentage Yield (APY)	§%

Rates for USAA Performance First® Savings

Minimum deposit to open is $1,000.

Rates for USAA Performance First Savings

Daily ledger balance	Annual Percentage Yield (APY)
Less than $10,000	§%
$10,000 to $24,999.99	§%
$25,000 to $49,999.99	§%
$50,000 to $99,999.99	§%
$100,000 to $249,999.99	§%
$250,000 to $499,999.99	§%
$500,000 to $999,999.99	§%
$1,000,000 and over	§%

Minimum deposit to open is $1,000.

Rates for USAA Performance First Savings

Daily ledger balance	Less than $10,000
Annual Percentage Yield (APY)	§%
Daily ledger balance	$10,000 to $24,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$25,000 to $49,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$50,000 to $99,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$100,000 to $249,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$250,000 to $499,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$500,000 to $999,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$1,000,000 and over
Annual Percentage Yield (APY)	§%

Rates for USAA Youth Savings

Minimum deposit to open is $25.

Rates for USAA Youth Savings

Daily ledger balance	Less than $1,000
Annual Percentage Yield (APY)	§%
Daily ledger balance	$1,000 to $4,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$5,000 to $9,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$10,000 and over
Annual Percentage Yield (APY)	§%

Rates for USAA Youth Savings

Minimum deposit to open is $25.

Rates for USAA Youth Savings

Daily ledger balance	Annual Percentage Yield (APY)
Less than $1,000	§%
$1,000 to $4,999.99	§%
$5,000 to $9,999.99	§%
$10,000 and over	§%

Minimum deposit to open is $25.

Rates for USAA Youth Savings

Daily ledger balance	Less than $1,000
Annual Percentage Yield (APY)	§%
Daily ledger balance	$1,000 to $4,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$5,000 to $9,999.99
Annual Percentage Yield (APY)	§%
Daily ledger balance	$10,000 and over
Annual Percentage Yield (APY)	§%

Annual percentage yields (APYs) are current as of 09/04/2025. Rates subject to change. Fees may reduce earnings.

Savings account FAQ

How can I make my initial deposit?

To fund your checking or savings account, you can:

• Transfer money electronically from another USAA Bank account you own or from another bank.
• Connect an external account you own by entering your log in credentials.
• Use a debit or credit card to add up to $100.

Can I add someone to my account?

Yes. After you open an account, you can add another USAA member as an account owner. They'll need to electronically sign documents we'll send to their inbox before we can add them.

Can I get an ATM card for a savings account?

Yes. You can request an ATM card that lets you withdraw cash from your savings account. You just can't use the card for in-store or online purchases.

Can I get a debit card when I open a checking and savings account at the same time?

Yes. You can request a debit card to use for purchases from your checking account. You can also use it to withdraw cash from your checking or linked savings account.

Related advice articles

What's the difference between checking and savings?

Article: 6 minutes

Read article: What's the difference between checking and savings?

Interest on a savings account: How your money can make money

Article: 4 minutes

Read article: Interest on a savings account: How your money can make money

How to prioritize savings goals

Article: 5 minutes

Read article: How to prioritize savings goals

More banking needs

Other accounts

• Certificates of deposit
  
• Credit cards
  
• Youth spending

Money management

• Account services
  
• Deposits
  
• Transfers
• Send money with Zelle®

Banking info

• Depository agreement and disclosures (Opens new window)
• Routing number